Mutual Funds, Index Funds and ETFs (தமிழ்)

Understanding Mutual Funds, Index Funds and ETFs helps in choosing the right fund for our investment portfolio. In this episode, choosing a good mutual fund is explained in detail in Tamil with examples.
Following questions are answered:
1. What are Mutual Funds?
2. How do we check the amount of fees charged in a mutual fund and how does that impact our final return amount?
3. What is Expense Ratio and why is it significant in choosing a mutual fund?
4. What are large caps, mid caps and small caps? What is the risk and return potential of each?
5. What are Growth vs Value stocks?
6. How do we decide whether to buy a mutual fund or an Index fund?
7. What is a stock market Index? What are all some of the popular Indices in India and USA?
8. What is an ETF and why choose an ETF over a Index based mutual fund?
My other Related Videos:
Power of Compounding: • Power of Compounding (...
Building Wealth Series: • Building Wealth Series...
Financial Freedom: • Financial Freedom / நி...
Asset Allocation: • Asset Types and Alloca...
Understanding Sharemarket: • Understanding Share Ma...
Recession Explained: • What is Recession? / ப...
Investment Insights: • Investment Insights - ...
LinkedIn: / vijay-mohan-sn
Twitter: / invstmntinsght
Reference:
Morning Star site for Mutual Fund Research: www.morningsta... (USA), www.morningsta... (India)
Canara Robeco Emerging Equities Factsheet: www.morningsta...
Nifty 50 Index: www.nseindia.c...
S&P 500: us.spindices.c...
Vanguard Total Stock Market Index: investor.vangu...
Vanguard Information Technology Index: investor.vangu...
DISCLAIMER:
The content of this video is my own opinions and is for information purposes only. It is not intended as a substitute for professional financial advice. It is only intended to provide education about investments.
#VijayMohan #InvestmentInsights #BuildingWealth #MutualFunds

[@gopisukumar4112]

I started investing in index funds after watching your videos. You are offering Gold! Thanks for your effort, sir.

[@nagoormeeran7492]

What is the procedure to invest in index funds

[@prabhueins1]

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[@haleelurrahman53]

One of the best channel.... respect to thier subscribers.... Everyone should subscribe this channel.

[@InvestmentInsightsTamil]

To understand how share market works, watch it here: kzbin.info/www/bejne/bpDYcqqpf9eieJI Stocks Portfolio: StocksPortfolio: kzbin.info/www/bejne/gZWmpGZ7jKx9rLM

[@rajaj6043]

I'm wondering how I didn't come across this channel. Thank you for your clear explanation and recommendation!!!

[@InvestmentInsightsTamil]

What matters is that you have found it now. 🙂

[@sydneymady8415]

am doing share in asx in Australia but 1st time tamil la ketkum pothu super aha irukku sir you have to tech our community well done.

[@jeyr20]

The best explanation of MF and other details in Tamil. Thank you for your efforts.

[@sumitharamesh7524]

Very informative sir. I see you as my father thank you so much for showing me a path to success.

[@subramanian.promoters]

இனிய பொங்கல் நல்வாழ்த்துக்கள் பொருளாதாரமும் நல்ல ஆரோக்கியமும் எப்பொழுதும் மன நிம்மதியாகவும் வாழ இறைவனை வேண்டிக்கொள்கிறேன்

[@bthangaraj1585]

மிகமிக எளிமையான விளக்கம்.நன்றி.

[@mcganesh]

Vijay sir, when time comes please consider the below and educate us. 1. Dos and donts to consider while redeeming mutual funds? 2. Factors to consider while switching between funds within the same amc? 3. Is it worth considering to move from regular to direct mutual funds when we already have regular investments. Thanks. 🙏🏼

[@InvestmentInsightsTamil]

3. Yes it is totally worth doing it for long term. 1% makes a huge difference in the long term.

[@karthickumar5166]

After watching your videos started investing in UTI Nifty 50 .. thanks for sharing your knowledge

[@vijayadhinakaran1536]

First time watching your video. Can not stop to watch. Clarity, intersting, very good delivery of content.

[@InvestmentInsightsTamil]

Glad you enjoyed it!

[@gokulkrishnannallamuthu2889]

Hi Vijay. You are providing much needed information for youngsters. I use to check how to invest the saved amount and search for the best way to compound the saved money for future purpose. Finally I'm here. I'm feeling really good after seeing your videos like i have got the best guidance.Thank you and keep rocking✌️

[@InvestmentInsightsTamil]

Glad it was helpful.

[@mcganesh]

Great analogy using Tea shop sir. You are great at simplifying concepts for us. Thanks a lot.

[@NatureLite2023]

Sir after listening to your videos i have invested in Nifty 50 and S&P 500. Thank you sir.

[@balajirs7495]

In which platform u investing nifity 50

[@NatureLite2023]

@@balajirs7495through hdfc

[@hellochennai-fromjapan7977]

A common man can understand about financial management.... We need more videos from you sir....

[@happygilmor1]

Well articulated sir..But personally i prefer the mutual fund until we understand the markets and improve our analysis...Besides we rely on a expert like a fund manager to manage our finances..nothing wrong with it.... it may not yield xxx fire savings but still fine..

[@prajay83]

Nice video sir..request you to put a broader vision about world markets and all the factors that affects economy and stock market.

[@karas9975]

If possible can u quote Indian market in comparison rather than Us market.. For better correlation.. Thanks a lot for ur efforts sir

[@rajapandianc5611]

Mr.Vijay ,your explanation and narration are learner friendly. Great.

[@InvestmentInsightsTamil]

Thank you for that appreciation.

[@chandrakumarn]

Thanks for the great advice! I have bought some of the ETFs. researching more on FIRE ...

[@abdulkhadir3401]

Very informative and implementable advices. Great found.

[@parasuraravamudhan3774]

Your philosophy educate & illuminate is very simple and nice. Your way of communication in clear tamil is tempting to listen and implement.

[@InvestmentInsightsTamil]

Great to hear that.

[@aravindanramalingam8958]

Started liking ur videos, amazing insights.... On this topic...Well done, my thought process also aligned to ur investor mindset...I am also doing 1cr niftybees and 50lakhs itbees and 30lakhs juniorbees....seeing a good profit...ofcourse will go longterm with this...will add more on any dip and utilize the power of compounding ❤ next getting into midcap and smallcap bees

[@dominicl4442]

Good explanation on analyzing a fund report. Thank you.. i invested in MF with my friend advice. Now ill check my self and plan

[@user-rx3nr1ex6q]

Share market channel le u are best sir, keep it up sir, thank u

[@JayaKumar-lj2lu]

நன்றி sir . தெளிவான விளக்கம்

[@priyasiddhu5451]

நான் 5ஆம் வகுப்பு தான் படித்தேன், எனக்கு புறியரமாதிரி இன்னும் எளிமையாக சொன்னால் நன்றாக இருக்கும்

[@soulofimmortal9048]

Bro best tips.. Just share market keywords pathi first study panuga next vanthu intha full playlist parunga then u will get little idea about stocks and market then come again and watch this playlist again then you will get little idea how to invest.. Then apo apo intha playlist parunga u will get micro tips in that time.

[@soulofimmortal9048]

Appreciate you for asking questions... Qstn keta dan oru alavuku ana answer avath kedikum

[@adhavanraj5378]

@@soulofimmortal9048 Bro.. Ippo long term sip close pannanuma, Atha redeem pannanuma..? Cancel pannanuma..? Cancel sip panna namaku interest varuma..? Pls explain..?

[@sekarkns9739]

Poi padi thambi aprm paathukalaam

[@sathizduker5329]

Apo neenga tamil Sharemaket books vangi padinga akka!!.. Ivara vida KZbin la vera yarum simple ahh sola mudiyathu 😂🙏🏻💥👥♥

[@bashkarans]

Best Coach

[@rajasekarr6095]

Nice explanation, Take away is a useful way of delivering content 👍🙏

[@priyatailoring]

As a woman at the age of 37 now I can also understand your explanation very simple thanks but at this age starting investment I feel like it's too late🏃💨 I wish I know this 10 years before

[@InvestmentInsightsTamil]

Better late than never. Watch "investing in 30's and 40's" episode.

[@nagarajv8162]

Well explained and easy to understand. Great work mr.Vijay 👌👌👌💐💐💐

[@babua6225]

Very insightful & informative! Thank you.

[@jawahar_l_n_balaji1565]

One of the best summary

[@jacksonsanthosh4947]

It's took only few minutes to hit the subscribe button 💓

[@kanmanidinesh2684]

Very clear information.. Nicely explained

[@GoCoolDebug]

Clear explanation on passive funds

[@SneakyNinja]

Sir in UTI there are different types Of nifty 50 Eg. Direct growth, divident, active etc.. please suggest lowest expense ratio fund and do a video of the types.

[@InvestmentInsightsTamil]

Good Question. Each mutual funds have different options to invest in the same fund. Direct - buying the fund directly thru the fund house. In this case thru UTI itself. Expense ratio is cheapest when you buy direct. UTI is charging 0.1% for direct investments. Regular - buying the same fund through brokerages like ICICIDirect. For this they are charging 0.17%. Within Direct and Regular they have three other options - which does not differ in their expense ratio. 1. Dividend Payout - The fund will pay out the dividends from the underlying stocks to your account. 2. Dividend Reinvestment - The fund reinvests the dividends to buy more mutual fund shares. You will see the number of shares of mutual funds in your account increasing little bit every quarter depending on the dividends from underlying shares. 3. Growth - The fund uses the money from dividends to buy more underlying shares that would ultimately result in growth of the value of the fund. In this option your # of shares of mutual fund will remain the same, but the value of each share would increase as the dividends are used to buy more shares.

[@SneakyNinja]

@@InvestmentInsightsTamil thank you for the detailed answer. How to apply for the direct uti fund. I can understand 1st and 2nd points But in the third point if the divident is reinvensted in stock means, why the nav remains the same? If the stock increased means NAV aslo should increase right? Can u please explain difference beteeen 2 and 3 with example? I am planning for long term i.e 10 years, which one will be the good option please suggest sir thanks.

[@InvestmentInsightsTamil]

To buy it directly, you have to open an account with them directly: www.utimf.com/portal/signup For third point, NAV will grow with the value of the assets. What I said was, number of shares of mutual fund will remain the same as opposed to option #2.

[@wgmpm]

@@InvestmentInsightsTamil the day ஹ நான்

[@baskaranv3991]

@@InvestmentInsightsTamil in this above 3 which one is best and how

[@leojohnson1721]

Very Informative , Thank you so much

[@manis144]

Clear and well explained..... Awaiting for your next videos

[@ajithp111]

Clear cut explains 👍

[@keerthi_5]

Sir plz explain on tracking error concept

[@indiahydraulics]

Your all video very useful and best

[@sivajack89]

1st time i saw your video today, very good and clear explanation

[@InvestmentInsightsTamil]

Glad you liked the content.👍🏽

[@gauthamfz19]

Sir I am not able to get an understanding of Index funds and ETFs. Is there any articles from where I can read and understand it better. Loving all your contents I started following your channel almost 1 week before. Since I am at beginning stage of my stock market investment I am finding all your videos very informative and useful.

[@InvestmentInsightsTamil]

Check out Index Fund episode in this channel and the related links in its description.

[@passemails]

Give some day-to-day life examples for index funds. Create one scenario and explain based on that scenario if you want to explain any financial terms ( say Stocks, shares, Bonds, index funds). What will happen if I invest in mutual funds instead of index funds, What will be the outcome? Say I am having $500, What will happen if I invest in mutual fund? What will happen if I invest in stock(index funds, so....)?

[@sivucit]

Excellent Video, Vijay. This is very useful..

[@rajeshrs83]

as always great content, simple language, thanks for the video

[@prabhun9900]

Very informative and helpful for understanding MF

[@vasudevansivalingam8494]

Got very clear info and ideas. Thanks 🙏

[@rajaveluuthandi]

Very clear explanation.

[@NK54321]

@investmentinsightstamil : namaste sir, I like your way of explanation it is easy to understand. I liked your building wealth series where you have touched most of the topics where everyone has to first understand in financial journey. Sir in one of the videos you have mentioned in the current scenario I would have preferred ETFs instead of mutual funds in your financial journey. Please can you explain why do you think ETF is better than index funds.

[@Murugan-gc6gb]

Hi sir nice video I am a new investors, I would like to invest in Kotak Nifty 50 index fund 1) How is the performance of kotak Mutual fund ? It’s reliable in market ? 2 ) I have planned to invest SIP plan, in future depends on my financial status possible to decrease or increase My SIP amount .. pls advise especially for decrease ..nobody reply this question .. kindly advise

[@InvestmentInsightsTamil]

1. Watch the latest Index Fund video to understand how index fund works. 2. What do you want to know about decrease? I am not following your question here.

[@Murugan-gc6gb]

@@InvestmentInsightsTamil I mean possible to reduce SIP amount

[@Murugan-gc6gb]

@@InvestmentInsightsTamil just I asked about Kotak mutual fund company its reliable? and I have another one doubt, If I started to invest in kotak Nifty 50 NFO Best or already available index fund UTU nifty 50, sbi Nifty 50 and some other Nifty 50 index fund investing best?

[@adhavanraj5378]

Bro.. Ippo long term sip close pannanuma, Atha redeem pannanuma..? Cancel pannanuma..? Cancel sip panna namaku interest varuma..? Pls explain..?

[@BK_menu]

Good channel👍I suggested to my friend s & family also👌🏼

[@InvestmentInsightsTamil]

Awesome, thank you!

[@sampathsampath4397]

Super sir very good explanation

[@deepuprakash2430]

Can you explain different types of investments? How to buy those? Example T-bonds, CD etc

[@Sivakumar-re2pi]

Good info Plz explain about small case

[@harishvenkatesan5460]

Any detailed video about pros/cons of ETF from mutual funds or how to buy a ETF and good ETF in the market?, Whether a Demat account is necessary to buy a ETF?

[@anandn7981]

I have doubts sir, pls clarify- 1. Lets assume I invested in index fund for 10 years by SIP. Shall I stop the SIP permanently & continue the Index investment for 30 years? 2. Will Stocks Mutual fund give dividend?

[@InvestmentInsightsTamil]

1. Yes 2. Yes.

[@anandn7981]

@@InvestmentInsightsTamil thanks for the reply sir.. Mutual fund pathi video patha investment mattum than ellarum solranga. Atha epadilam use panrathunu yarum solla matakaga.. dividend pathi yarum sollala. Innum vera ethum features iruntha Atha pathilam oru video podunga sir. Thanks 😊 🙏

[@kgsenthilkumar5715]

Excellent sir!! Subscribed..

[@balabj6]

Sir make a video on how to invest US fund from India

[@InvestmentInsightsTamil]

It is as simple as buying Motilal Oswal's S&P500 and Nasdaq100 funds.

[@passemails]

If you explain anything with an example or with a demo then it will be good. What do you mean by index tracking?

[@ArulrajV]

Hi Thanks for your videos. I don't know where to ask questions, So I ask here. Which fund is suitable to park my money for short-term? Thinking of Arbitrage funds. Your suggestion on this? The other question is, Can I invest my emergency fund (6 months of my expenses) in MF?

[@InvestmentInsightsTamil]

No. Emergency fund should be in savings with 0 risk. It should not be invested.

[@raghulk5657]

Sir fund of fund means what? And what is liquid fund? And how to select liquid fund? Is it liquid fund is better than bank f.d and recurring deposit? Which is right investment for beginners?

[@janprabu]

Wonderfull explanation. Well organized. You are placing excellent effort. Thank you so much for all the information. Could you advice mutual funds for investment.

[@InvestmentInsightsTamil]

Watch "Stocks Portfolio" episode in this channel.

[@samsiva563]

Super really thanks

[@rklaxmenrklaxmen8142]

Thanks more.

[@vigneshramesh9901]

Great sir neenga

[@TheAshokkumar000]

Interesting video Sir✌️

[@riazmohammedj]

Sir tata ethical fund review pannuga

[@arunkumarradhakrishnan7734]

Very nicely explained for beginners like me, thanks a lot. Can a resident Indian invest in US market passive funds?

[@kannanpanneerselvam7207]

Same doubt. How can we invest in Vanguard Index funds from India? Thanks!

[@InvestmentInsightsTamil]

@@kannanpanneerselvam7207 Vanguard is not available in India yet. I would expect them to be in India soon.

[@InvestmentInsightsTamil]

I know Motilal Oswal has US based Index funds. But their fees are high for an Index fund - charging close to 1%.

[@Sivakumar-re2pi]

Plz explain diffrents between small case and MF in india

[@priyasiddhu5451]

அனைத்தும் உதாரணத்துடன் உடன் சொன்னால் நன்றாக இருக்கும். புள்ளிவிவரங்கள், time table சற்று கடினமாகவும், கவனிக்க ஆர்வம் குறைகிறது, மன்னிக்கவும்

[@karthikavijaya88]

Nice video sir. Can u also make video on SWP for the debt funds?

[@murugappanchandrasekaran490]

Sir intha chitfunds pathi explain panungalan

[@lingarajsollamuthu9784]

Hope you took "Can robeco emerging" for a reference not a suggestion.. as the scheme some years back was under mid & Small cap category... so it's past returns can not be considered for large & mid cap category.

[@jk_thoughts]

Sir , Please Explain Short Video For Morning Star Style Box athu pathi sollunga sir Drawing potrukanga onnum Purila Value , Blend ,Growth , Map , Weight , Historical Numbers Kiduthurukanga ithu ku Explain pannunga sir .

[@InvestmentInsightsTamil]

Mutual Fund episodela athoda explanation irukkumey... paarunga.

[@jk_thoughts]

@@InvestmentInsightsTamil k sir

[@balajisanthanagopalan9616]

Hello sir. Would like to know some explanation for focused funds, multi cap and flexi cap funds

[@NRVAPPASAMY1]

Sir, Why ETF is not declaring dividend? Example- CPSEETF, The constituents are high dividend companies. Neither it reflects in Appreciation or other distributions? Same is the case with Bharat22? Here what should be the strategy?

[@peermohamed8028]

Thank you Vijay Sir .In india which are the fund houses offering S & P and Nasdaq 100 index mutual funds ? Which is better in your opinion. Thanks.

[@InvestmentInsightsTamil]

Motilal Oswal is offering it for a while now.

[@shashashawww]

I was waiting sir

[@krishnakumarchinnusamy]

very useful bro❤️

[@lakshmanansm6162]

Arumai sir

[@risenmachine]

Thank you for information. I didn’t understand the concept of why large capital to be in index and small capital to be in ETF ? Senthil

[@InvestmentInsightsTamil]

In US, Many funds need a minimum investment to buy an Index based mutual fund. For example, Vanguard's total stock market Index (VTSAX) needs $3,000 minimum investment. Same can be bought as an ETF (VTI) with less amount. For our purpose, any long term holdings can be in mutual fund version and any short term holdings can be in ETF version.

[@bsr8229]

@@InvestmentInsightsTamil are those funds difference in minimum investment? or have any other aspect

[@mohamedshabeer2003]

TATA Ethical fund and TATA digital fund video plz

[@mythilipapi555]

Sir, please advice how and when to redeem mutual funds or stocks if we invest for retirement.

[@gokullu]

Thanks for the video. glad to see the subscriber growth. well deserved :) may I know your reasoning for buying Index Fund (instead of ETF) if investing a big amount? also, other than the trading time window what are the main differences? looks like ETF has some tax advantage over Index Fund. is that true? in that case, isn't it always better to buy ETF then?

[@InvestmentInsightsTamil]

The difference is very minimal. Go with your own preference. In bigger scheme of things, this is not a big deal.

[@singaravelans2741]

Sir, Can you explain difference between investing in indices mutual fund and direct investment in indices(NIFTY50) stocks??

[@InvestmentInsightsTamil]

One trade Vs 50 trades with right weightage. Not really worth the time and money.

[@rajeshrajesh3525]

What u said is valid point. Keep on rocking sir. Best wishes

[@opmclove]

Sir Can you video on Nifty bees ETF.

[@mahemahendrakumar3410]

Sir i want to know the SIP, could you upload a video for it

[@bsr8229]

Namaskaaram, here am introduced to investment but also learning economic.. indeed required. could you give clarity on Index vs ETF in details. thanks for your help and sharing knowledge through channel. :)

[@venkatesansubramaniyan9183]

Thanks for ur videos. Can u suggest to invest in nifty next 50 index fund

[@manikandan-bd4ib]

Hi sir I have invested 1)axis bluechip 2) canara bluechip 3)Mirae asset bluechip 4)axis midcap 5)DSP midcap 6)axis smallcap 7)sbi small cap 8)parag parikh long term equity 9) Franklin india feeder ftanklin us opportunities direct fund 10) icici Prudential us bluechip equity I started to invest this 10fund for long term (10year) 47thousand per month in sip . Can I add some debt(gilt or corporate bond) to reduce the risk level Do you have any suggestions about this 10funds sir do you possible to guide me sir

[@InvestmentInsightsTamil]

@mani kandan, that is lot of funds for one portfolio. There is no reason to hold these many funds. Are you holding all these in a brokerage account? How are you even managing these many funds? I would suggest to keep it really simple. Best option is to hold just these 4 - Nifty 50, Next Nifty 50, S&P 500 and Nasdaq 100 - buying directly from the fund house to keep the expense ratio to minimum. They do not have much overlap across funds. But the ones you hold 3 bluechips, 2 midcaps, 2 smallcaps, 3 US funds is overkill. If you would like to be bit more aggressive than the index funds I have suggested above, you can at least trim your portfolio down to 1 Bluechip, 1 Midcap, 1 small cap and 1 US based fund. Sure you can add a debt fund to your portfolio.

[@manikandan-bd4ib]

I am managing this fund in paytm money(direct fund) sir I will trim my portfolio sir You have any suggestions about any good debt fund sir

[@InvestmentInsightsTamil]

I am not that familiar with good debt funds in India. Let me see if I can find something that might be of interest to you.

[@manikandan-bd4ib]

OK sir thank you

[@Videosallaround]

Thanks sir! Who is best providers to invest Mutual fund. Like SBI, Icicidirect,. Etc.. which is best?

[@opmclove]

Hi sir you are doing great job. Your explanation is clear and helpful. I have a question, I need a fund within 3 years and can I invest in index funds. If yes will UTI or HDFC be a good choice.

[@InvestmentInsightsTamil]

Any money that is needed within 5 years should not be in stock market.

[@GokulAmar]

Thanks for the video sir. How about Nippon index sensex fund? It's current expense ratio is less than UTI nifty.

[@suunapaana2065]

Ok தல

[@livingtajebaraj7923]

Sir. Thank you. How to invest in US stocks